* No Cash Advance Fee, No Balance Transfer Fee, No Foreign Transaction Fee. Must be a Hawaii resident.

** The variable rates for purchases, balance transfers and cash advances when you open your account vary with the market based on the US Prime rate plus a margin. Your margin is based on your credit worthiness.

Terms

Revolving

Current Variable Index Rate**

11.90% to 13.90% APR

Need a little extra help managing your finances?

Understand How to Manage Your Debt

Financing what you need with a credit card can be a smart way to manage your money. However, those cards can get you into trouble if you don’t carefully monitor every expense. Learn all about how to control your credit cards before they control you with this short eLearning module.

The Hawaii State FCU Credit Card App allows for on-the-go credit card management that’s fast and easy while keeping you up to date on your transactions. Access is secure and protected by multi-factor authentication. No personal information is stored on your device.

View recent and pending transactions.

View next payment amount and due date.

Make a payment to your card.

Report a card lost or stolen.

Download the Credit Card App4

CardLock App

The CardLock App is a convenient way to take control of your credit card and stop fraud in its track. If you misplace your card, you can use the app to turn the card off. Then turn it back on again when you’ve found it.

To take advantage of this great benefit, log in to the Credit Card section of your Hawaii State FCU Online Banking account, click the Credit Card Alerts banner and follow the enrollment instructions.

Travel Notifications

If you’re planning a trip and want to use your Hawaii State FCU credit card, contact us so we can keep your card from temporarily being blocked.

You’ll need to provide your card numbers, countries being visited, date of travel, as well as your contact information.

Credit Card Payment Options

Online Banking gives you 24/7 access to your credit cards where you can view transactions and statements and make payments.

Autopay allows you to make automatic payments toward your statement balance, a set (recurring) amount or the minimum payment due on your credit card.

Text Alerts keep you updated about your account and money.

Payments by Phone are available through our Member Service Call Center at Oahu: (808) 587-2700 or Toll-free: 1 (888) 586-1056. Or you can call Visa® Cardholder Services at 1 (800) 654-7728 to make a real-time payment from another financial institution. Please note: there is a Pay by Phone fee of $5.00 when paying through Visa® Cardholder Services.

Pay via the Hawaii State FCU Credit Card App to make payments conveniently from the palm of your hand.

Calculators to help you save and spend smart

Ready to apply for your Visa® Signature Cash Rewards Credit Card?

1. The variable APR for Purchases, Balance Transfers and Cash Advances for the Signature Cash Rewards card is 11.40% to 13.40%, when you open your Account, based on your creditworthiness. The APRs are current as of 8/8/2018 and will vary with the market based on the U.S. Prime Rate. Rates are subject to change at any time without prior notice. We will not charge an APR greater than the maximum that we are permitted to charge by law (currently 18.0%). Cash Rewards are based on net purchases. Minimum credit line is $5,000 for the Signature Cash Rewards card. Certain terms and conditions apply. Membership in Hawaii State Federal Credit Union is required.

2. Offer subject to credit approval. Earn 2% cash back for the first 90 days on all net purchases. After that, a 1% cash back reward will apply to net purchases.

3. The first “Design Your Own Card” is complimentary. Thereafter, the fee for “Design Your Own Card” service is $9.95 per card. This feature is available 60 days after your card is issued.

4. Available only for Android™, iPhone® and iPad® devices. iPhone® and iPad® is a trademark of Apple® Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Standard messaging and data usage fees apply. Please contact your carrier for details.

NMLS Number

Routing Number

NMLS Number

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.